How to select the right home loan for a first-time purchase?

I am planning my first home purchase in India next year, and the various loan options are quite confusing. Between standard term loans, overdraft facilities, and different interest rate structures, it is difficult to determine which plan is most suitable. Has anyone here recently evaluated these options? I am looking for a professional perspective on the key factors to consider before committing to a specific lender.

I would appreciate any insights or experiences regarding how to choose the most efficient loan structure. What specific criteria did you use to make your final decision?